Q\u00eb nga fillimi i muajit janar, ka hyr\u00eb n\u00eb fuqi rregullorja e re \u201cP\u00ebr administrimin e rrezikut n\u00eb veprimtarin\u00eb e subjekteve financiare jobanka\u201d. Rregullorja n\u00eb fjal\u00eb ka vendosur p\u00ebr her\u00eb t\u00eb par\u00eb disa kritere t\u00eb detajuara, duke p\u00ebrfshir\u00eb edhe tregues sasior\u00eb, n\u00eb praktikat e administrimit t\u00eb rrezikut n\u00eb huadh\u00ebnien konsumatore nga institucionet financiare jobanka. Nj\u00eb institucion financiar jobank\u00eb nuk do t\u00eb lejohet t\u00eb jap\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb m\u00eb shum\u00eb se dy kredi konsumatore p\u00ebr t\u00eb nj\u00ebjtin huamarr\u00ebs.<\/p>\n
Gjithashtu, \u00ebsht\u00eb p\u00ebrcaktuar edhe nj\u00eb nivel tavan n\u00eb raportin e sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave (DSTI), q\u00eb do t\u00eb llogaritet si vlera e totalit t\u00eb k\u00ebsteve mujore t\u00eb kredive ekzistuese, duke p\u00ebrfshir\u00eb edhe kredin\u00eb p\u00ebr t\u00eb cil\u00ebn po aplikohet, t\u00eb pjes\u00ebtuar me t\u00eb ardhurat neto t\u00eb t\u00eb gjith\u00eb bashk\u00ebkredimarr\u00ebsve.<\/p>\n
Vlera e raportit t\u00eb sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave nuk duhet t\u00eb tejkaloj\u00eb vler\u00ebn prej 60%. Kjo vler\u00eb mund t\u00eb jet\u00eb m\u00eb e lart\u00eb vet\u00ebm n\u00eb rastet kur kredimarr\u00ebsi ka evidenca t\u00eb mjaftueshme dhe t\u00eb provuara se niveli m\u00eb i lart\u00eb i raportit DSTI nuk cenon shpenzimet e zakonshme t\u00eb jetes\u00ebs dhe rrjedhimisht pages\u00ebn e detyrimeve t\u00eb kredis\u00eb. N\u00eb \u00e7do rast, t\u00eb ardhurat neto pas sh\u00ebrbimit t\u00eb borxhit nuk duhet t\u00eb jen\u00eb m\u00eb t\u00eb vogla se shpenzimet e arsyeshme t\u00eb jetes\u00ebs s\u00eb kredimarr\u00ebsve.<\/p>\n
Institucionet financiare t\u00eb mikrokredis\u00eb duhet t\u00eb hartojn\u00eb procedura t\u00eb brendshme mbi llogaritjen e raportit t\u00eb sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave, si edhe t\u00eb p\u00ebrcaktojn\u00eb k\u00ebrkesa m\u00eb t\u00eb kufizuara p\u00ebrsa lidhet me nivelin e treguesit p\u00ebr kredimarr\u00ebsit me t\u00eb ardhura t\u00eb parregullta ose t\u00eb luhatshme, apo p\u00ebr kredimarr\u00ebsit monedha e t\u00eb ardhurave t\u00eb t\u00eb cil\u00ebve \u00ebsht\u00eb e ndryshme nga monedha e kredis\u00eb.<\/p>\n
Rregullorja e re gjithashtu p\u00ebrcakton se institucioni financiar, p\u00ebrpara se t\u00eb lidh\u00eb nj\u00eb kontrat\u00eb kredie dhe gjat\u00eb procesit t\u00eb monitorimit t\u00eb kredis\u00eb n\u00eb koh\u00ebzgjatjen e saj, duhet t\u00eb vler\u00ebsoj\u00eb aft\u00ebsin\u00eb paguese dhe profilin e rrezikut t\u00eb kredimarr\u00ebsit, bazuar n\u00eb t\u00eb dh\u00ebna t\u00eb mjaftueshme, t\u00eb sakta dhe t\u00eb p\u00ebrdit\u00ebsuara.<\/p>\n
Institucioni financiar duhet t\u00eb siguroj\u00eb t\u00eb dh\u00ebna dhe informacione t\u00eb nevojshme t\u00eb ofruara nga vet\u00eb kredimarr\u00ebsi dhe nga burime t\u00eb tjera t\u00eb arsyeshme t\u00eb brendshme ose t\u00eb jashtme t\u00eb subjektit, q\u00eb mund t\u00eb ndikojn\u00eb aft\u00ebsin\u00eb paguese t\u00eb kredimarr\u00ebsit, n\u00eb ve\u00e7anti q\u00ebndrueshm\u00ebrin\u00eb e t\u00eb ardhurave, historikun e pagesave, probabilitetin e ndryshimit t\u00eb t\u00eb ardhurave (rritjen ose r\u00ebnien), si dhe t\u00eb gjitha detyrimet e tjera financiare.<\/p>\n
N\u00eb ve\u00e7anti, subjekti duhet t\u00eb kryej\u00eb verifikime t\u00eb arsyeshme dhe t\u00eb nd\u00ebrmarr\u00eb hapa t\u00eb nevojshme p\u00ebr t\u00eb verifikuar informacionin n\u00eb lidhje me burimin e aft\u00ebsis\u00eb paguese, n\u00eb rastet e kredimarr\u00ebsve q\u00eb jan\u00eb t\u00eb vet\u00ebpun\u00ebsuar ose kan\u00eb t\u00eb ardhura sezonale ose t\u00eb ardhura t\u00eb tjera t\u00eb parregullta.<\/p>\n
Huadh\u00ebn\u00ebsi duhet gjithashtu t\u00eb shmang\u00eb nxitjen e v\u00ebshtir\u00ebsive t\u00eb panevojshme financiare dhe t\u00eb krijimit t\u00eb situat\u00ebs s\u00eb mbiborxhit t\u00eb kredimarr\u00ebsit. Institucioni financiar duhet t\u00eb p\u00ebrcaktoj\u00eb n\u00eb procedurat e brendshme, informacionin q\u00eb do t\u00eb p\u00ebrdoret p\u00ebr vler\u00ebsimin e aft\u00ebsis\u00eb paguese t\u00eb kredimarr\u00ebsit, n\u00eb var\u00ebsi t\u00eb shum\u00ebs, llojit t\u00eb kredis\u00eb dhe burimit t\u00eb t\u00eb ardhurave.<\/p>\n
Informacioni p\u00ebrfshin t\u00eb dh\u00ebna ose dokumente t\u00eb nevojshme dhe t\u00eb p\u00ebrshtatshme lidhur me t\u00eb pakt\u00ebn pun\u00ebsimin, kushtet financiare dhe q\u00ebndrueshm\u00ebrin\u00eb e t\u00eb ardhurave; burimet e ripagimit t\u00eb kredis\u00eb; angazhimet financiare dhe shpenzimet p\u00ebr p\u00ebrmbushjen e tyre, etj.<\/p>\n
Kufizime t\u00eb tjera eksplicite t\u00eb parashikuara n\u00eb rregullore jan\u00eb q\u00eb institucionet financiare jobanka nuk mund t\u00eb lidhin kontrata t\u00eb kredis\u00eb konsumatore me persona n\u00ebn mosh\u00ebn 18 vje\u00e7; nuk mund t\u00eb lidhin kontrata t\u00eb kredis\u00eb konsumatore me persona t\u00eb cil\u00ebsuar me aft\u00ebsi t\u00eb kufizuara, ose me persona t\u00eb cil\u00ebt marrin vendime n\u00ebn asistenc\u00ebn e nj\u00eb personi tjet\u00ebr; nuk mund t\u00eb lidhin kontrata t\u00eb kredis\u00eb konsumatore gjat\u00eb fash\u00ebs orare 22:00 deri n\u00eb 07:00; etj.\/ Monitor<\/p>\n
The post Nga janari kredit\u00eb e shpejta duhet t\u00eb jen\u00eb m\u00eb \u201ct\u00eb v\u00ebshtira\u201d<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Q\u00eb nga fillimi i muajit janar, ka hyr\u00eb n\u00eb fuqi rregullorja e re \u201cP\u00ebr administrimin e rrezikut n\u00eb veprimtarin\u00eb e subjekteve financiare jobanka\u201d. Rregullorja n\u00eb fjal\u00eb ka vendosur p\u00ebr her\u00eb t\u00eb par\u00eb disa kritere t\u00eb detajuara, duke p\u00ebrfshir\u00eb edhe tregues sasior\u00eb, n\u00eb praktikat e administrimit t\u00eb rrezikut n\u00eb huadh\u00ebnien konsumatore nga institucionet financiare jobanka. Nj\u00eb […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5097","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/5097","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=5097"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/5097\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=5097"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=5097"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=5097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}